At Ci-Net, we are committed to delivering the best service for subscribers on a daily basis. We offer comprehensive consumer Inquiry Report, training, Reports, and added other value products. These services and products have been designed to ensure that our valued subscribers gain the best and most efficient to make better decisions.

Consumer Inquiry Report

Consumer credit report is a document that includes all personal information and credit and history information of the customer. The report summarizes, organizes and evaluates the consumer credit behavior based on the information collected from all subscribers, i.e. banks and companies; accordingly such information will then be presented in a form of collected credit information report in which the subscriber will analyze before making a decision.

The CIR includes all consumer credit information including but not limited: 
  • Personal Information (Full Name – Gender- Date of Birth – Nationality).
  • Credit Information:
    • Payment history.
    • Due Amounts from the customer.
    • Types of portfolios.
    • Inquiries history.
    • Family Fund Indicators.
    • Government Fund Indictors.
    • Customer Credit Legal Status.

Value added products

Self Inquiry  

A self inquiry is a request for a credit report by a customer personally to check his/her credit status. A Customer can check his own credit report to verify accuracy and update information and date displayed on the report. It may dispute any discrepancies, to protect oneself against ID fraud and to perform a primary self-assessment prior to applying for credit.

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Reporting Data Discrepancies   

Reporting Data Discrepancies is the process of reporting any discrepancies in data and information included in the customer credit report and seeking resolution for such disputes arising between the customer and data providers.

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Numerical Credit Scoring   

Numerical Credit scoring is the process of calculating and representing the credit risk of a Subject in a numeric form. A credit score is calculated based on certain credit score factors derived from the credit information of Subject.

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Portfolio Monitoring Reports    

Portfolio Monitoring Reports (PMR) are reports that are designed based on the predefined business parameters that enable banks and financial institutions to evaluate portfolio performance. The reports are generated based on information included in CI-NET records. They help to analyze the portfolio growth rates and the impact of its risks in the credit local market.

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Fraud Detection  

Fraud is a growing problem in credit industries around the world. The most effective strategy to reduce the resulting losses of fraud is prevention, based on efficiency and accuracy information. This means that suspicious credit business must be identified timely –upon the application. The majority of application fraud directed at credit grantors involves falsification and fabrication of data included by the applicant when completing application forms. This is known as 'soft fraud'. Some occurrences are relatively harmless and go undetected, but others result in inappropriate extensions of credit, which arise problems upon the collections and recovery process considering it as bad debts. 'Hard Fraud' is less widespread, but the effects on lenders are frequently more devastating, both in terms of the speed and size of the losses. Most hard fraud is sophisticated, well researched, planned in detail and is often targeted at high volume credit grantors using false identities or misusing the identity of genuinely creditworthy people, hard fraud is often perpetrated by organized crime rings and can be difficult to detect using traditional credit underwriting techniques.

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